Addiction Treatment Centers & Sober Living Facilities

Horizon Insurance Agency offers insurance packages for Addiction Treatment Centers and Sober Living Facilities which are uniquely designed to fulfill a wide range of special needs for the professional Substance Abuse Rehabilitation Facilities sector. Each policy is custom-tailored to address each insured's exposures. We offer separate limits for general liability, professional liability, and abuse & molestation. In addition, we offer a separate Directors & Officers Liability policy.

Addiction treatment providers, mental healthcare facilities and their ancillary activities fall under the umbrella of behavioral healthcare. From intervention, crisis stabilization and detox facilities, through residential and outpatient treatment programs, to supported housing and sober living homes, these organizations and facilities are an integral part of the U.S. healthcare system, saving lives and benefiting society as a whole. Our insurance program is specifically designed to provide the protection the behavioral healthcare sector requires to continue to do its work, and has been at the forefront of offering industry-specific coverages and risk management strategies.

Horizon Insurance Agency focuses on the behavioral healthcare industry. Our staff not only understands the complexity of the exposures this niche faces today, but we also have our pulse on how this sector is changing and expanding. This includes the impact of the Affordable Care Act, slated to provide more individuals with access to treatment while integrating behavioral and physical health; societal shifts about mental illness and addiction; the trend toward offering alternative solutions to incarceration; new treatment protocols and medications; and other factors bringing behavioral health issues into the national discussion.

Key Coverages

General Liability

Comprehensive General Liability

Premises Liability

Volunteers as additional insureds

Personal Injury Liability

Coverage for fundraising events

Employee Benefits Liability

Professional Liability

Occurrence or claims-made forms available

Primary Psychiatrist coverage can be provided for employed psychiatrists

Contingent, Vicarious Liability for employed and volunteer physicians

Primary Professional Liability for employed and volunteer physicians and dentists while employment is available.

Property

Blanket limits with large in-house capacity

Special Causes of Loss coverage on buildings, contents, business income, and extra expense